Please use this identifier to cite or link to this item:
https://www.um.edu.mt/library/oar/handle/123456789/78046
Title: | Does banking concentration affect non-performing loans in Albania? |
Authors: | Sinaj, Valentina Tushaj, Arjan |
Keywords: | Loans -- Albania Banks and banking -- Albania |
Issue Date: | 2020 |
Publisher: | University of Piraeus. International Strategic Management Association |
Citation: | Tushaj, A., & Sinaj, V. (2020). Does banking concentration affect non-performing loans in Albania?. European Research Studies Journal, 23(Special issue 1), 1074-1083. |
Abstract: | Purpose: The article examines the correlation among banking concentration and non – performing loans using datasets of Albanian banking sector during 2005 - 2017. We investigated the non – performing loans affected by market structural variables, banking variables and macroeconomic variables. Approach/Methodology/Design: Test of loan concentration impact on non – performing loans through linear models provided the significant results. Findings: Albanian banking sector proved the ambiguous results and the sound correlation in long run among concentration and non – performing loans. Outcome confirmed the negative effect of return on assets and average loan interest rate on non- performing. Meanwhile the total loans, exchange rates and Gross Domestic Production affected positively the non-performing loans. Practical Implications: Albanian banking sector operated to moderate concentration despite of bank’s mergers recently. It has linked to the increasing non – performing loans ratio past the last quarter of 2008.We demonstrated the empirical impacts that they ought to take into consideration by banking sector. Originality/Value: The research provides empirical results encouraging further investigations on banking sector. |
URI: | https://www.um.edu.mt/library/oar/handle/123456789/78046 |
Appears in Collections: | European Research Studies Journal, Volume 23, Special Issue 1 |
Files in This Item:
File | Description | Size | Format | |
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Does_banking_concentration_affect_non_performing_loans_in_Albania.pdf | 328.04 kB | Adobe PDF | View/Open |
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